EBANK COM INC
8-K, 1999-05-06
NATIONAL COMMERCIAL BANKS
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<PAGE>   1

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934



          Date of Report (Date of earliest event reported): May 3, 1999
                                                            -----------


                                EBANK.COM, INC.
                            -------------------------
                            (Exact name of registrant
                          as specified in its charter)



<TABLE>
<S>                                    <C>                                    <C>
   Georgia                              333-41545                                58-2349097
- -----------------------------------------------------------------------------------------------------
(State or other                        (Commission                            (I.R.S. Employer
jurisdiction of                        File Number)                           Identification No.)
incorporation)

2410 Paces Ferry Road, Atlanta, Georgia                                             30339
- -----------------------------------------------------------------------------------------------------
(Address of principal executive offices)                                         (Zip Code)
</TABLE>


       Registrant's telephone number, including area code: (770) 863-9229
                                                           --------------



                                       N/A
         --------------------------------------------------------------
         (Former name or former address, if changed since last report.)



                               Page 1 of 5 Pages
                      The Exhibit Index Appears on Page 4
<PAGE>   2


ITEM 5.  OTHER EVENTS.

         On May 3, 1999, the Company announced that the trading symbol for its
common stock has changed from "STCH" to "EBDC" effective May 3, 1999. The new
corporate trading symbol reflects the previously announced change in the
corporate name and the Company's strategic plan to launch its new Internet
banking product and service line by the end of the second quarter of 1999. As
previously announced, the Company has also acquired the Internet domain name,
ebank.com, which is currently under construction and will be in service in the
second quarter.

         A copy of the Company's press release announcing the symbol change is
filed as an exhibit to this Form 8-K.


ITEM 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.

         (c) The following information is filed as an exhibit to the Current
Report on Form 8-K:

<TABLE>
<CAPTION>
            Exhibit No.               Description
            -----------               -----------
            <S>                       <C>
                99.2                  Press release issued May 3, 1999
</TABLE>



                                       2
<PAGE>   3


                                   SIGNATURES


         Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                    ebank.com, Inc.



                                    By:      /s/ Richard A. Parlontieri
                                       -----------------------------------------
                                         Richard A. Parlontieri, President

Dated:  May 5, 1999



                                       3
<PAGE>   4



                                  Exhibit Index

<TABLE>
<CAPTION>
Exhibit No.            Description                                    Sequential Page Number
- -----------            -----------                                    ----------------------
<S>                    <C>                                            <C>
    99.1               Press release issued May 3, 1999                       Page 5
</TABLE>




                                       4

<PAGE>   1



                                                                    Exhibit 99.2

MONDAY MAY 3, 5:57 PM EASTERN TIME

COMPANY PRESS RELEASE

NEW TRADING SYMBOL "EBDC" EFFECTIVE FOR EBANK.COM, INC.

CORPORATE NAME AND SYMBOL REFLECT STRATEGIC FOCUS ON INTERNET BANKING

         ATLANTA--(BUSINESS WIRE)--May 3, 1999--ebank.com, Inc. (formerly
Southeast Commerce Holding Company) (Nasdaq/OTC/BB:EBDC) today announced its
common stock has begun trading under the symbol "EBDC" effective May 3, 1999.
The new corporate trading symbol reflects the previously announced change in the
corporate name and the Company's strategic plan to launch its new Internet
banking product and service line by the end of the second quarter of 1999. As
previously announced, the Company has also acquired the Internet domain name,
ebank.com, which is currently under construction and will be in service in the
second quarter.

         ebank.com, Inc. is the holding company for Commerce Bank. The Company
is developing a special line of Internet banking services specifically tailored
to meet the needs of small business customers to complement its traditional
commercial and retail banking, home mortgages, real estate development, and
consumer lending products. Commerce Bank operates one office in Atlanta,
Georgia.

         Certain statements in this news release contain "forward-looking
statements" within the meaning of the Private Securities Litigation Reform Act
of 1995, such as statements relating to financial results and plans for future
business development activities, and are thus prospective. Such forward-looking
statements are subject to risks, uncertainties and other factors which could
cause actual results to differ materially from future results expressed or
implied by such forward-looking statements. These statements appear in a number
of places in this release and include all statements that are not statements of
historical fact regarding the intent, belief, or expectations of the Company and
its management. These forward-looking statements are not guarantees of future
performance and actual results may differ materially from those projected in the
forward-looking statements. Potential risks and uncertainties include, but are
not limited to, the Company's brief operating history and historically low
trading volume, its ability to manage growth and its changing operations,
reliability of the technologies the Company uses, general economic conditions,
competition, interest rate sensitivity, exposure to regulatory and legislative
changes and other uncertainties detailed from time to time in the Company's
Securities and Exchange Commission filings.

Contact:
     ebank.com Inc., Atlanta
     Richard A. Parlontieri, 770/863-9225


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